From driving around congested areas to managing high-risk equipment such as friers, food truck owners face unique risks. “Food truck insurance” can help you offset future financial losses arising from covered events.
"Food truck insurance” isn’t a specific policy, but simply a common phrase to describe insurance policies that adjust to the needs of food truck owners. Let’s discuss how your mobile food business can benefit from having the right coverage.
Infinity Insurance Agency Inc. (IIA) offers business insurance options for food trucks that are:
- Affordable
- Flexible
- Customized
At IIA, we work with your food truck business to help you find an affordable coverage option so you can serve your customers while having peace of mind.
Who needs food trailer insurance?
Several types of mobile businesses can benefit from having a customized business insurance policy. These operations include:
- Food trucks and food trailers
- Catering trucks
- Lunch trucks
- Concession trucks
- Ice cream trucks
- Specialty food vendors such as donut trucks, taco trucks, coffee shop trucks, etc.
Why do I need insurance for my food truck?
Food truck vendors get business insurance for several reasons, including:
- Your state may require insurance: Most states require commercial auto insurance. Additionally, depending on the city or county where you operate, general liability insurance may also be required to get certain permits.
- Your food truck or trailer is involved in an accident: Personal auto insurance typically doesn’t cover accidents involving a business vehicle. Whether you drive a food truck or pull a trailer with your truck, commercial auto insurance can help pay for covered accidents.
- A venue or event may require it: Event organizers often require food truck vendors to show proof of insurance. Having insurance can help prevent losing out on these opportunities.
- A customer is injured: A customer may claim to be sick after buying food from your food truck. General liability may help in these instances.
How much does food truck insurance cost?
The price of insurance for food trucks can vary, based on the following factors:
- Your business profile: The size of the business, number of employees, licenses or certifications you hold, and any claim history can influence the price of premiums.
- The type of food truck or trailer: Larger and more expensive vehicles often mean higher insurance premiums since they are more expensive to repair or replace.
- Your location: Business insurance requirements vary by state.
- The equipment you use: Insurance may cost more for food trucks with friers or grills, due to the higher risk. Additionally, if the truck has expensive equipment attached, insurance premiums may increase.
What coverage does a food truck need?
Food truck businesses can consider the following coverage options:
Commercial general liability
Commercial general liability insurance may help cover claims such as property damage or bodily injury to a third party.
For example, this type of coverage may help cover costs if a customer becomes ill or gets burned when eating food from your truck. It may be required by certain event organizers or by your state.
Commercial auto insurance
Commercial auto insurance may help with the costs of traffic accidents involving your food truck. For example, your food truck could hit someone else’s fence or crash into another vehicle.
This coverage is required in most states. Your personal car insurance generally won’t cover accidents involving a business vehicle.
Why choose Infinity Insurance Agency?
Whether you drive a food truck around your community or bring your food trailer to events, getting business insurance can help prevent financial losses that may affect your business’s growth.
At IIA, we help small business owners find affordable insurance options that align with their needs. IIA offers:
Budget-friendly and customizable coverage options
Help from experienced, Spanish-bilingual agents
Quotes from multiple insurance carriers at once
Flexible payment plans
Assistance with your business insurance questions